KAST Card is a custodial prepaid Visa that converts stablecoins and selected crypto into a USD-denominated balance, then lets you spend through a virtual or physical card in over 170 countries. Setup is fast: the virtual card can be live within minutes of approval, and Apple Pay and Google Pay work from day one.
Kast Card is unavailable in your region.
KAST fits best when the goal is spend access, not asset control.
KAST fits freelancers, remote workers, and crypto-native users who already keep most of their capital in stablecoins. It also works for those who want one app for card spending, mobile wallet use, payouts, and basic money movement without managing multiple tools.
Users who want self-custody, simple tax treatment, or cheaper rewards will find better-fit options among no-kyc crypto cards.
KAST functions like a prepaid card, but payment networks classify prepaid cards as credit at checkout for merchant compatibility. You load value into the KAST ecosystem first and spend from that balance through a Visa virtual or physical card.
Funding comes through crypto deposits, bank transfer, or payment link. Stablecoin deposits convert to a USD-denominated balance inside the app at 1:1 with no spread. Non-stablecoin deposits are auto-converted before spending and can carry a 2% to 5% fee. The card then draws from that KAST-held USD balance at checkout.
The product fits daily spend, travel, online checkout, and subscriptions better than it fits occasional or one-off use. For regular spenders, the virtual card and mobile wallet support make it fast to use. For users who need physical ATM access or cross-border cash, the costs and logistics are a bigger factor. Check out our list of best crypto cards for international travels if you are a frequent traveller.
KAST sits between your crypto and the merchant: you send assets in, KAST converts them to an internal USD balance, and the card draws from that balance when you spend.
Your country, partner coverage, and identity check speed determine how fast card access opens.
KAST markets broad global availability, but KAST Card supported countries vary in practice. Residency support, partner-level approval, and compliance checks can turn a fast virtual-card flow into a slower verification process. Country support is not confirmed until onboarding begins.
KAST Card KYC requirements are standard for a regulated card product, but the timeline depends on compliance review speed.
The main friction is residency confirmation, identity review, and partner approval, not the form itself. Users in regions with additional compliance requirements may wait longer than the typical minutes-to-virtual-card timeline suggests.
Token variety matters less than the friction between deposit and a spendable balance. For most crypto-native use, the key variables are network support and conversion cost.
On-chain stablecoins are the most practical rail for crypto card users because they keep the funding path short and predictable, avoiding the extra conversion fee that hits non-stable assets. The biggest friction sits in chain support, manual network matching, and the auto-conversion rules for non-stable assets.
Adding money to KAST is most straightforward with supported stablecoins, which avoids the 2% to 5% conversion fee on non-stable crypto.
Bank transfers can also work, but they are slower and depend on country coverage, partner routing, and settlement times. Stablecoin deposits are the default recommendation for anyone prioritising speed and cost predictability.
KAST combines internal points, token rewards, and tier-based boosts. Real value depends on plan cost, promo timing, and your comfort with token exposure.
The free Standard tier can still deliver value if you spend regularly and do not expect to redeem points like cash. Premium, Limited, and Luxe are harder to justify for most users unless spend volume is high, you want status-tier perks, and you are comfortable receiving value in KAST Points and tokens rather than direct cashback.
KAST combines internal points, token rewards, and tier-based boosts. Real value depends on plan cost, promo timing, and your comfort with token exposure.
The free Standard tier can still deliver value if you spend regularly and do not expect to redeem points like cash. Premium, Limited, and Luxe are harder to justify for most users unless spend volume is high, you want status-tier perks, and you are comfortable receiving value in KAST Points and tokens rather than direct cashback.
KAST is fast when you stay inside the app balance and use the virtual card. Speed drops once physical card shipping, bank settlement, merchant holds, or ATM withdrawals enter the picture.
The core speed facts are worth knowing before you rely on the card for time-sensitive spend:
KAST Card limits on ATM withdrawals are among the tighter restrictions on the product. For users who need regular cash access, the $750 daily cap and per-withdrawal fee make this a supplementary option rather than a primary cash source.
Once assets enter the KAST card flow, they are treated as sold to KAST and held through partner custody and payment providers, shown in the app as a USD-denominated obligation rather than a bank deposit or user-controlled crypto balance.
The main risk is issuer and custody dependence. If an account is restricted or flagged for compliance, KAST and its partners can freeze access, limit transactions, or require additional checks before funds move. Device access, login security, and phishing remain relevant risks regardless of custody model.
KAST Card should not be used for restricted merchant categories. These include weapons, firearms, controlled substances, prescription drugs, steroids, counterfeit goods, fake IDs, darknet marketplaces, adult content, and businesses linked to fraud, money laundering, or pyramid schemes. A payment can be flagged even when the merchant appears legitimate, if the category or transaction pattern matches a restricted use case.
A flagged transaction can trigger a range of outcomes: blocked purchase, additional KYC or source-of-funds checks, temporary account freeze, card suspension, asset restrictions, forced partner review, chargeback complications, account closure, or a permanent ban from the service. If KAST or a partner determines that activity breaks card-network rules, sanctions controls, AML checks, or platform terms, they can stop future transactions and hold the account under review.
KAST's help center covers most common questions on fees, limits, declines, funding, and wallet support. Human resolution runs through Concierge and email support, and the gap between help center coverage and actual resolution speed shows up most when a deposit is missing, a card payment is disputed, or a merchant hold ties up a spendable balance.
A few things to know about the dispute and chargeback process:
Spending can create a taxable disposal in many jurisdictions, because assets are converted before the card is used. Stablecoin funding simplifies this but does not eliminate the need to track entries, conversions, and fees.
KAST provides Statements of Account on demand, exportable as PDF or CSV. The platform does not provide official tax reports, country-specific tax forms, dedicated tax CSVs, or automated capital-gains calculations. The reporting burden sits with the user.
Record-keeping stays manageable if you mostly fund with stablecoins and spend in USD. It becomes more complex once you add volatile crypto deposits, multi-chain transfers, and token-based rewards. Those who value simple tax treatment should weigh this against the account structure before funding.
The card works well within a narrow lane. Fund with stablecoins, spend in USD, and the experience is fast: virtual card ready in minutes, Apple Pay and Google Pay from day one, Visa acceptance in 170+ countries. Move outside that lane and costs stack. Non-stablecoin deposits auto-convert at a fee, ATM withdrawals are capped and expensive, and non-USD spend adds FX charges on top. The custody model is the bigger thing to absorb: deposited crypto is treated as sold to KAST, so self-custody is not part of the spend flow. Premium tiers are hard to justify for most users. KAST suits stablecoin-heavy freelancers and remote workers who want fast global spend access from one app.
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KAST Card is a custodial prepaid Visa that lets you deposit stablecoins or other supported crypto, convert them into a USD-denominated app balance, and spend that balance through a virtual or physical card. The card is accepted wherever Visa is supported. Funds are held by KAST and its partners, not in a self-custody wallet.
KAST Card is a prepaid card. You load value into KAST first, then spend from that balance. Payment networks classify prepaid cards as credit at checkout for merchant compatibility, but it does not work as a revolving credit line.
The Standard tier has no monthly or annual fee. Key costs include a 2%–5% conversion fee on non-stablecoin deposits, a 0.5%–1.75% FX fee on non-USD transactions, a $3 plus 2% ATM withdrawal fee, an ACH deposit fee of $2, a FedWire deposit fee of $15, and an inactivity fee of $1 per month after 12 months of dormancy. Declined transactions cost $0.50 each. Premium tiers range from $1,000 to $10,000 per year.
On the Standard tier during Season 5, eligible spend earns 2% in KAST Points. Premium and Limited tiers earn 5% in KAST Points. Luxe earns 8% in KAST Points, and eligible spend may also earn 4% in $MOVE tokens. These are internal points and tokens, not direct cash rewards. Rates and programs are seasonal and subject to change.
KAST markets the card in 170+ countries, but availability varies by jurisdiction. Actual access depends on residency, partner approval, and compliance review during onboarding. The platform does not publicly list unsupported regions, so the only way to confirm is to begin the application process.
Yes. KAST Card supports both Apple Pay and Google Pay. This makes the virtual card usable immediately after approval, without waiting for physical card delivery.
ATM withdrawals are capped at $250 per transaction and $750 per 24-hour period, with a maximum of three withdrawals per day. Each withdrawal costs $3 plus 2%, plus any ATM operator fees. ATM access requires the physical card, though virtual cards may work at NFC ATMs via Apple Pay or Google Pay where supported.
KAST requires full KYC for all users. This includes identity verification and partner compliance review. There is no credit check. The time to approval varies by country and individual review outcome.
It can. Converting crypto or stablecoins into a spendable KAST balance may count as a disposal or taxable conversion event in many jurisdictions. The exact treatment depends on local tax rules and the asset used to fund the card. KAST does not provide tax reports or automated capital-gains calculations, so record-keeping sits with the user.
KAST Card is a regulated product that operates through partner custody and payment providers. The main risk is issuer and custody dependence: once assets enter the card flow, they are held by KAST, not by the user. Account access can be restricted by compliance or partner review. Standard card-level risks such as fraud, declines, and phishing apply regardless of custody model.
The closest alternatives are MetaMask Card for users who want self-custody, RedotPay for a simpler stablecoin card with no annual fee, the Crypto.com Card for a broader rewards and lifestyle program. The best fit depends on whether custody, fee structure, or reward type matters most.
The base Standard rate does not require staking. The highest reward rates sit on paid tiers, and KAST also offers extra points tied to staked SOL for certain card types. Top-end rewards therefore depend on both plan cost and token exposure, not just spend volume.
